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Once money is wired overseas, it is virtually impossible to recover, according to Eimiller.

 (Insurance policies don’t cover such scams.) Do not believe the scammer’s promises that you will be repaid, she says.

A Texas woman in her fifties was trapped in an abusive marriage. He was having trouble completing a construction project in California and asked for a loan of ,000, which he promised to pay back right away. By the time her alarmed financial adviser convinced her to contact the FBI two years later, she had sent Charlie million – her entire life’s savings. Like other women seduced by a romance scam, the Texas woman was sick with shame and humiliation.

Be wary if someone asks you to leave Facebook or a dating service to talk “offline.” Be skeptical of boyfriends you’ve never met.By now most Americans have been warned about the Nigerian scam in which a supposed prince or wealthy person asks for your help (“Dearest one”) in depositing his millions in a bank, of course offering a slice of that wealth for your trouble.The problem with the romance scam is that the scammers take on other, more ordinary identities: businessman, contractor, soldier. (Russian fraudsters are also heavily involved in romance scams, according to ) The victims are educated, computer-savvy and emotionally vulnerable, the agency adds.Con artists are able to hone in on that vulnerability because potential “marks” post openly about their lives and dreams on social media and dating sites.

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